Demand loans with a cost of borrowing of less than $45.00 at the time of loan set-up will be charged an interest rate of 17.90%.

Fixed Rate

9.25% + Increment

Variable Rate

Vancity Prime + Increment

Creditline

Vancity Prime + Increment

RRSP and Term Loans

Prime + 1% for the purchase of registered or non-registered term deposits of 1 year term or longer (max - 12 monthly payments).

All Canadian currency accounts are accessible by ATM, Online Banking, Phone Banking and in-branch.

(1) The annual percentage rate (APR) is compounded monthly, not in advance. APR assumes no fees or charges apply. If additional fees and/or charges apply, the total Cost of Credit and APR would increase. This product, its features and advertised interest rates may change at any time and may be withdrawn by Vancity at any time for any reason without prior notice to the member.